Compare 2011 Honda Civic Car Insurance Quotes

Searching for cheaper auto insurance rates? Consumers have options when looking for the best price on Honda Civic insurance. They can either spend hours calling around getting price quotes or leverage the internet to compare rates.

There are more efficient ways to shop for auto insurance so you’re going to learn the proper way to quote coverages on a Honda and get the lowest price from both online companies and local agents.

How to Buy Car Insurance Online

There are a lot of ways to compare car insurance quotes, but some are more efficient than others. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

All the larger companies enroll in a system where prospective buyers complete one form, and every company then gives them pricing for coverage. This system prevents you from having to do quote requests to every company. To find out what other companies charge for 2011 Honda Civic insurance click here (opens in new window).

The single downside to using this type of system is you can’t choose which companies you want to price. If you wish to select individual companies to request quotes from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using apples-to-apples deductibles and coverage limits with each company. If each company quotes different limits and deductibles on each one it will be very difficult to truly determine the lowest rate.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, but there are discounts available to help offset the cost. Some trigger automatically when you purchase, but less common discounts must be manually applied prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Civic insurance than less cautious drivers.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Civic insurance with certain companies.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will cut your premiums.

To see a list of insurance companies offering insurance coverage discounts, follow this link.

Why your Honda Civic insurance rates may be high

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to lower insurance prices.

Listed below are a partial list of the pieces used by your company to calculate prices.

  • Too many insurance claims drive up costs – Car insurance companies generally give cheaper rates to insureds who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Drive less and save money – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Autos left parked in the garage receive lower rates than those used for commuting. Make sure your insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Civic may be wasting your money.
  • Battle of the sexes – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Young males tend to get in the most accidents and are penalized with high insurance rates.
  • Your occupation can affect rates – Did you know your insurance rates can be affected by your occupation? Occupations such as real estate brokers, architects and stock brokers tend to pay the highest rates attributed to high stress and long work days. On the other hand, professions such as actors, students and homemakers have the lowest average rates for Civic insurance.

When should I talk to an agent?

When buying coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

For instance, these questions may help highlight whether or not you will benefit from professional help.

  • Can I get a multi-policy discount?
  • Why do I only qualify for high-risk insurance?
  • What exactly is covered by my policy?
  • Can I afford low physical damage deductibles?
  • Am I covered if I hit a deer?
  • If I drive on a suspended license am I covered?
  • Is upholstery damage covered by car insurance?
  • Can I afford to buy a different vehicle if my 2011 Honda Civic is totaled?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage – This provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills for chiropractic care, nursing services, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, rolling your car, backing into a parked car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More quotes. Lower rates.

We just covered quite a bit of information on how to get a better price on 2011 Honda Civic insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a smaller regional carrier.

Consumers leave their current company for any number of reasons including policy cancellation, lack of trust in their agent, an unsatisfactory settlement offer or even high prices. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

When shopping online for insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Additional information is located at the links below